The percentage of the nonelderly population (individuals under age 65) with
employment-based health insurance coverage declined steadily from 1987 to 1995. In 1987,
69.2 percent of the nonelderly population received employment-based health insurance
coverage. By 1995, this percentage declined to 63.8 percent.

The percentage of the nonelderly with employment-based health insurance coverage in
their own name declined slightly, from 33.8 percent in 1987 to 32.7 percent in 1995. The
percentage of nonelderly with employment-based coverage as a dependent declined from 35.4
percent in 1987 to 32.7 percent in 1995.

Northeastern and Midwestern states had higher rates of employment-based health
insurance coverage than Southern and Western states. The states with the highest rates of
employment-based health insurance coverage in 1995 were Wisconsin (75.6 percent), New
Hampshire (74.9 percent), and Connecticut (74.8 percent). The states with the lowest rates
of employment-based health insurance coverage in 1995 were New Mexico (45.6 percent),
Louisiana (50.2 percent), and Oklahoma (55.3 percent).

Industry is an important determinant of whether a worker will have employment-based
health insurance coverage. In 1995, the industries with the highest rates of
employment-based coverage were government (86.7 percent) and finance, insurance, and real
estate (86.1 percent). The industries with the lowest rates of employment-based health
insurance coverage were agriculture (44.1 percent) and personal services (50.3 percent).

Firm size is another important determinant of whether a worker will have
employment-based health insurance coverage. In 1995, 25.8 percent of workers in firms with
fewer than 10 employees received employment-based health insurance coverage from their
employer, compared with 68.5 percent of workers in firms with 1,000 or more employees.

Full-time workers were more likely to have employment-based health insurance in their
own name than part-time workers. In 1995, 63.2 percent of full-time workers received
employment-based health insurance coverage in their own name, compared with 20.1 percent
of part-time workers.

The percentage of children ages 0-17 with employment-based health insurance coverage
declined steadily from 66.7 percent in 1987 to 58.6 percent in 1995.

For more information, contact Ken McDonnell, (202) 775-6342, or see EBRI's Web site at
www.ebri.org.